| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DECHRISTOPHER BROKERAGE INC3 | 501 CHURCH ST NE SUITE 117 VIENNA, VA 22180 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $10K | $1K | $11K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE STE SUITE 401 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | $23 | $2K | 0.48% |
| DECHRISTOPHER BROKERAGE INC3 | 2100 ROUND SPRINGS DR VIENNA, VA 22181 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $607 | $17K | 9.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $2K | $14K | 7.87% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG W LAKE HILLS, TX 78746 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.44% |
| DECHRISTOPHER BROKERAGE INC3 | 2100 ROUND SPRONGS DRIVE VIENNA, VA 22181 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 16.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $496 | $0 | $496 | 6.22% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 73 | $375K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 344 | $182K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 344 | $182K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 344 | $182K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 344 | $182K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 344 | $182K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 344 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.